Loyalty Points Planner

What does the loyalty points planner do? It works out what a points redemption is actually worth using cent-per-point math: the cash price of what you want, minus unavoidable taxes and fees, divided by the points required, times 100. Enter the figures for the redemption you are weighing and the planner puts that value next to the alternatives, so options compare on equal footing instead of guesswork.

How do transfer partners change a redemption's value?

The same balance can be worth more transferred to an airline or hotel partner than spent through the program's own portal — or less, if the transfer ratio is poor. The planner's comparison makes the difference concrete for the specific redemption in front of you, rather than relying on a generic points valuation.

What else changes a redemption's value?

Taxes and surcharges reduce it, because they are cash you still pay. Limited-time transfer bonuses and category multipliers raise what a balance can buy. Referral bonuses from card programs can also be modelled as an earn source, with their own conditions attached.

What should you check before relying on the number?

Programs change their charts, ratios, and expiration rules without notice, and chasing points should never drive spending or credit decisions on its own. Check the current program terms, weigh annual fees and interest honestly, and consider a qualified financial professional for personal advice. The planner is educational.